/biz/ - Business & Finance

>>50122443
I don't have car payments. My car has been paid off for several years

I paid my car off long ago. My mortgage is $473/month though. I couldn't imagine paying $700/month for a car.

I bought my car for $15.5k in cash up front. It's worth smth like $18k now if I were to sell it.

>>50122443
I drive an old 1998 Silverado. If gas prices go up, I just drive a little less. I’m not paying some jew to loan me money

>>50122443
My car is paid off and my insurance is $90 a month

$440 for 60 months

>>50122506
>my insurance is $90 a month
How did you swing this?

>>50122443
it's about $450/m at 0.99% APR. Bought at the very bottom of used car prices in 2020, 2500 miles on a two-year-old car, owned by an old woman

WFH
no car
no debt
Bitcoin on cold wallets

I'm about to buy my first car but with fuel prices going up I'm thinking of waiting 2-3 months. In Ireland there is no supply and everything is overpriced to fuck, kind of hoping start selling because they won't be able to afford it anymore.

>having a car
do cagies/mutts really?

>>50122443
>Implying I don't drive a 10-year old Japanese pick-up that requires just an oil change a year.

Car payments are the leading cause of poor people.

>>50122524
I have had a clean driving record since I was 16 years old and Alberta just has cheap insurance

>>50122443
$917 American a month. 1.65%, $65k 78 month loan. I owe $40k still, wanted to refinance so I could lower the payment but lowest these jew fucks offered was like 4.5%, yeah fuck that

>>50122583
I pay 40 a month, must be a lot more expensive in Canada than in the US

>>50122641
Ask the people who live in Ontario or BC

>>50122443
$220/month. i drive a 2017 mazda 3 with 60k miles. i bought it certified preowned with 30k miles on it. $16k less $4k down/trade in, financed over 5.5 years at 4.5% interest.

>>50122528
>0.99% on a used car loan
Fucking how?

>>50122443
35 dollar insurance
no debt

>>50122602

300 a month. I took out a 5 year loan on 16.5k at 3.8 percent. I had zero down. I make the minimum payments on it and have about 9k left. Weird enough the car is now worth over 16k

>>50122686
this fucking much
such a women / joggers behaviour to buy a car you can't afford
you are not impressive with your Lexus SUV neither your BMW 430i you are just a fool who got rekt by marketing

About $400/month, 0% interest so I'm not in a rush to pay it off.

>>50122670
I'm a big proponent of Mazda 3 hatchbacks

>>50122443
I drive a 2019 WRX. $3.9k left on it, blue books between$27-30k. Thinking about selling it

>>50122849
>hold the depreciating asset all along the loan
>sell the bottom

thinking about buying a new car cucky boy

>>50122602
my retarded brother lost about 50k on his bmw. He was getting paid 50k a year, made my mom cosign his loan.
Lost his job in about 6 months in, and couldn't make the 800 monthly payment. Asked me to buy if off of him. I had the better sense of rejecting him.
Fortunately covid happened, and his car appreciated barely over the loan amount, he sold it to carmax. Lost his downpayment, now drives the family car, I secretly hate his ass, I wish he would move out.

>>50122826
yeah i kind of wish i had gotten the hatchback instead of the sedan.

>>50122671
He lied obviously. I have 800 credit with 75k income and couldn’t get a loan like that

$500 month 60 months. 2.1%

2021 Mazda3 Turbo Premium Plus hatchback

>>50122671
at the bottom, Subaru was offering 0% on new cars and 0.99% on used. nobody was buying cars at all in the first 3-4 months of WFH

>>50122443
like 100 a month

>>50122915
Yep I bought a suburu in Dec 2020 when they were running that deal

>>50122881
thats what he gets for buying a bmw dumb nigger

570/mo for a new Tacoma. 6yr loan, $31k, 6k down. Sold my POS beater to Carvana for 11k just before interest hikes.

Wife’s 2021 Corolla was 21k at carmax, 10k down with 5 year loan comes to 270/mo.

We both had old cars constantly in the shop before this and it feels nice to have such a reliable solid cars and a useful pickup with an indestructible engine.

>>50122686
>>50122720
Kek normally I'd agree but we needed a bigger family vehicle. Similarly sized used cars cost almost as much as a new one which is fucking insane. Kia Telluride, my commuter car is a 2006 kia spectra

>>50122602
I hope you realize how absolutely fucked you are

>>50122881
Based and don't try to help family pilled

>>50122443
A what now?

>>50122881
50K per year while living with his parents and he can't pay 800$?

>>50122558
There it is, there's my little euro cope. Just got back from a week 7 hours away staying at an rv park near an amusement park. Do euros know what an rv is? Do they think you can tow one behind a bus kek

>>50122937
how much did you put down to get $400/m? if i recall it was 0% for six years so probably pretty easy to get that monthly price. i almost bought new but i found a 2018 outback with the six cylinder engine with only 2500 miles on it. shit was immaculate. it kind of guzzles gas which sucks now but i don't commute with it so oh well

>>50122443
0 $

>>50122443
Bought a ford Maverick cash

should I sell my car now? Are half those people going to default and flood the market with used cars?

>>50123078
Yes

>>50122955
I'm a professional wagie in a covid/recession proof industry, it's fine. It did absolutely rape the household budget tho. Really wanted to install a pool now I gotta wait
>>50122881
Sucks to hear bro but honestly not your problem. That's for your dad to figure out/deal with. Also it sounds like you're leeching off parents rent free so you're not any better

>>50123021
I have no idea what a rv is and I don't feel like I'm missing whatever it is in my life
stay mad cagie

i have been driving the same car for like 10 years now
an ecoshit box, 93 civic
i just do basic maintenance on it and it is still good
i drive even less now being that i am a wfh nerd now
fuck new cars

>>50122558
Imagine not having a car, even rich europoors have vehicles. Sucks to be a peasant I guess

I don't buy cars every month. I buy 20-30 year old cars that have passed the test of time for less than you paid for that fruit phone.

>>50123131
That's true, you need to be a millionaire in euroland to have the space required to keep one

>>50122443
my car is paid off bruh

>>50123101
I wanted to move out after graduating, I was set to go out of state with a job, it got converted to wfh. I still work from home, I have the option of going back right now, but i don't see any point with this shitty as economic climate. I am currently trying to overemploy.

>>50122910
For real, used car loans get trash offers
>>50122915
That's bad ass, wish I had jumped on these.

>>50122443
Uh I pay 50 bucks for insurance. That's about it.

>>50122443
I bought a used one for cash during the crypto bubble

Zero. I really want to get a manual accord though still but kind of hoping prices cool off or something.

I need a car but they're all expensive af and I'm scared of financing what do? I only have $3k saved up right now.

>>50122443
$150 every 2 weeks, I could pay it all off whenever, but the interest isn't bad and it's boosting the fuck out of my credit score. I just drive a modest 2nd hand vehicle though

>>50122479
What the fuck, my mortgage is $2200

>>50123500
Wait. Cars are depreciating assets you are in a bubble.

>>50123559
Good luck.

>>50122952
LMAO MikaDernill would be fun in bed. You just KNOW. Base nigress.

>getting chained to debt, because of a car.
No wonder the jews "love" you.

>>50123131
>lives in a "walkable" city, probably never leaves his hole he calls an apartment
>stay mad cagie
The irony

I don't have a car and I live in a pod

>>50122671
Have a credit rating in the 820 range and finance through a credit union, I have a loan on a 2022 with a 1% APR. Payment is $470.

>>50122443
$250 for 16 months.
I pay half.

$0.
I buy reliable shitboxes in cash.

>>50122443
$200/month for my dependable car. The hell kinda car needs $700/month?

>>50124078
This is the way.

>>50122443
$570 @ 0%

Paid 16k for this out the door, another 2k on some small upgrades. I've owned probably 10+ M3s and this one just hits different

About $415. Insurance not included in that

>>50122484
go ahead and sell it retard, what's your next move?

>>50122443
I only buy with cash upfront
0 taxes

>>50122443
My first car loan was about $103/mo for three years. My last one was around 30 years later and about $187/mo for four years. That’s some ten years back.

>>50124687
perfect

>>50122443
just made a post about this. I'm taking Lyft lux every day and I'm saving money against the rising prices. It's amazingly comfy

>>50124687
It even keeps the street clean

>>50124773
he'll probably just keep driving it for free...you seem very upset about your car payment

I bought my ‘19 accord touring 10k down and 400/mo. Recently got an email from my dealership saying they’d buy it back at a premium. Any chance I might get away with making a profit on the car with 30k miles on it?

>>50122641
kek you have no idea. Can easily run you 200-300 a month in BC

>>50122443
$1570/month at 0% APR

Woulda/coulda outright but 0%? I’ll finance any bit of it they would let me

>>50122443
$289/mo for a 2016 kia soul
I don't even drive, I take the bus to work and bike around town

16000
One time payment as a wagie. I legit don't understand money problems. Maybe sometimes it's hard to find a good used car but I'd rather borrow money for repairs than borrow way more than I can pay off in a year

>>50122443
just buy a decent used car for like 5k. I do not understand people who buy new unless they are like rich or something

>>50122443
I don't have a car, and never had one despite having a driver license for more than a decade...

636 for 7 years finally done

>>50124078
>2x used ford focus bought with cash in the last 12 years, net purchase price works out to $24/month.
Can't get that deal with financing.

>>50123029
$15k I think? 5 year loan, not 6

>>50122641
they fuck us right up the ass on insurance. Canada is a shithole

>taking a loan to buy a fucking car
are americans secretly poor?
here in NZ this is unheard of unless you're buying from a dealership then everyone looks at you like a retard

>>50125193
>paying 20-40k out of your wallet instead of using that money to increase your wealth
are new zealanders retarded or something?

>>50122443
I bought the bottom in November 2020 with like 720 credit score.

2020 Ford Fusion. 0 down. 0% APR. $465 a month.

House is paid off. Pay like $1.2k a year in taxes.

I make $90k a year.

>>50125193
American "luxury" vehicles typically cost anywhere from 50-100k USD, lots of brand new high end shit just driving to the grocery store and taking the kids to soccer practice. It's absolute insanity.

>>50125193
debt can be a useful tool when used correctly.

>>50122443
$544.66 a month

>>50122443
0. I buy used cars cash. Never had an auto loan. Auto loans are for cucks.

>>50125279
Julius Caesar was massively in debt his whole career until he won everything and it didn't matter anymore

I've spent about $7000 buying and keeping my 22 year old car running, nice, reliable, safe and efficient for the past 5 years and 20,000 miles. I'm sure I could sell it now for $4,000 really quick if I wanted to. Making car payments is for rich people and poor people who will always be poor.

>>50124687
Hahaha drank the coolaid and over paid out the asssss. Zoomer spotted. These m3s were a dime a dozen back in the day for 5k

only vehicle i've ever owned is a 2000 tacoma my dad bought me when i was 15 (i'm 30 now). put like 150k miles on it and only had to change a rear wheel bearing and brakes so far

>>50122443
Paid it off as a condition to get my mortgage lel

>>50122443
I don't have one.

>>50122443
$346 for a 2016 Chevy Cruze

zero. I bought a used honda for 3500 two years ago and it hasn't given me any issues yet. why the fuck are you driving around a car you can't afford and need to finance? does it hurt your ego to drive an affordable vehicle? why do people do this? cars are stupid as fuck

>>50125413
>these are the people giving you financial advice on /biz/

>>50122443
$0

I bought a 2010 prius like 6 year ago for 10k. Same prius is worth 15k now. But I can't sell it, because it has water damage and smells like mildew even after I shampoo ed the fuck out of it and put damp rid bags in there. I'm just gonna drive it till it dies.

>>50126147
Sell it to carvana they won’t check or care

>>50122443
Bought a 2015 civic with 19k miles 4 years ago cash for 16k
Baby still runs I’m gonna throw 1k at it soon and get new tires, realignment, transmission fluid, break fluid, new factory rims, gonna fix up all the scratches, AC maintenance and shampoo for the seats it’s gonna look new with 60k miles since I got it
When I make it I want to put in a new engine make it a 500HP sleeper

>>50126147
My dad has a 2013 Prius with 300k miles. He spent $500 total in fixing the hybrid system since he got it
You’re gonna drive that shit until your dead buddy

>>50122952
kek

>>50126206
>Bought a 2015 civic with 19k miles 4 years ago cash for 16k
>Baby still runs

No shit, Civics will run 300k with normal maintenance.

Just bought a used 2019 Nissan Sentra with 22k miles from CarMax. Put $12k down and have $12k left to pay off. My monthly payments are $230, but my insurance is $150 per month because I live in Miami.

Still driving my old F-150. Been paid off since 2004.

300 a month and I thought I got taken for a spin by the guy at the end. Probably could've been 250 or closer to 200 if I didn't fall for memes like extended insurance, all I had to settle for was a 4 year old car instead of a brand new one

>>50126512
Runs like new*
Yes I hope it keeps running like this for 10 more years like the rest of the civics. I drive around 20 miles daily
>>50126536
>24k for a 22k mile Sentra
Anon I…..

>>50122472
This
>t. Corolla enjoyer

+RAPE DICK+

>>50125240
Very comfy bro, do you have a waifu to have your babies tho?

>>50125134
if I ignore maintenance costs my last daily was $3.333... a month once I include the price I sold it at. lmao.

$565 a month for 72 months for my Tesla. That's less than 4% of my monthly pay. Plus the interest rate is only 1.38%.

>>50122443
>car payments
Do amerimutts really go into debt for a car?
And they call us europoors lol

>>50124687
>pay 16k for a 20-30 year old shitbox with expensive repairs
>20k for a new toyota corolla
Imagine being this retarded. And I am not implying that buying a new corolla is an intelligent investment btw.

>>50122443
$0 because I don't have one

>>50122443
0€
I have a bicycle and all the daily stores are walking distance.

>>50127254
>>50127228
>>50127143
>>50127128
>>50126755
Tired of being broke? Now you have no excuses

https://anarchyrsps.live

>>50122602
Kek! That's pretty retarded anon, what went on in your head to make you think financing a nearly 1/10 million dollar vehicle was a sound idea?

>>50123551
Based. I did the same thing but I was a complete NEET 1 1/2 years ago. My credit score is a 710, got a nice used 1 owner pickup and scored a stable "Government" job and now get paid to sit and wait for work orders. Still live at home though cause fuck that rentoid cuck shit. Plan on buying a rental house next year for some sweet passive income.

>>50125008
What vehicle

>>50122443
i drive a 2002 shitbox

>>50122443
$1700/mo for 60 months

>>50128099
Geo metro

Paid $3300 for a 2010 Focus with about 100k in summer 2020. Second car is 1st gen Scion xb I paid $4600 with 110k.The Focus has nickel and dimed a bit and had the AC replaced which is expensive, but both have been reliable overall.

I've become able to do most of my repairs on my cars from years of shitboxes, but in hindsight I'd say most are better off picking a reliable newer basic car and making payments and spending their time making money instead of finding and fixing shitboxes. But I already have the skills and autistic obsession with them for myself.

>>50122443
My car cost ~700$. Who is stupid enough to pay for a car this much every month.

>>50128801
If your car costs $700 it doesn't run.

>>50122686
The angery car hood is a nice touch. I think it's goofy as fuck how over the top "aggressive" new cars look.

>>50128172
Absolute chad

>>50128809
It runs fine. 2008 Fiesta - parts cost nothing, very basic nothing that can break. The biggest cost when I bought it was changing the brakes, tyres and transmission fluid because no one changed it over 10 years (It is manual).

>>50122443
I don't have a car, i ride my bike.... Fags at my work often tease me about being a poorfag for not having a fancy bmw.
I'm happy that i save all that money so i can lose it on crypto instead

>>50128821
It's lexus nx.

>>50123323
I don't see any problem with using a 2nd hand car.

>>50128854
Keep going anon, crypto is the most expensive lesson. soon you will earn that money back.

>>50129020
you want mirrion dorrar?! too bad! here bomb! fuck u!

>>50122558
Are you trying to say euros dont have or need cars? You must be a citycuck nigger

My payment is 400€ for 36months, its a 2018 passat (used), really like it, drove a 1999 golf for 12 years before but it didnt get the cuckplate so had to move, will drive it again for atleast a decade

>>50122443
0$ on a 2018 Ford Fusion hybrid

>>50129180
Rate is 3%, the lender now sends me monthly letters for a loan increase at 6% lmao

>>50124687
why are euros got such a raging hardon for beemers

>>50129284
cheap and reliable. yanks class bmw as luxury kek.

>>50125230
If you can't spar 40k out of your wallet then you can't afford a 40k car lmao. Americans are so cucked

0€. I will never have another fucking car loan. Only good car is one YOU own. Most people are slaves to the bank.

>>50129284
Cheapest and most common rear wheel drive cars. Front wheel drive is for women and faggots, although it is a good way to save money

>>50124687
better be a manual

>>50129414
>live on town build on hills
>there is snow and ice in the winter
>rwd car
oh nononono

>>50129437
Learn to drive. Weight transfer will take the weight off your front wheels when you go up a hill

>>50129507
Still more unstable. Face it you have a .357 revolver in world of glock 20. Looks and feel cooler but in every technical sense is inferior as daily driver.

>>50129541
Learn to drive then. Enjoy pulling the handbrake every time you want to go sideways.

>>50129563
Going sideways is for slants.

>>50122522
Checked and keked

I don't own a car. My dad have two and I just use one kek

>>50128171
>$100k+ financed
Holy hell anon my mortgage with prop taxes is only $1400 wtf did you buy??
>>50127520
It was the woman's idea. Upgraded from a 2013 Chevy equinox. Needed the extra space. my commuter is a $1500 old lady car

>>50122443
Only buy in cash… not a poor fag baboon

>>50124687
That's beautiful, anon. It's been years since I've had a BMW, my last one being an E39 540i/6MT.

>>50122443
Holy shit, how many accidents do you have to have for your car insurance payment to be $700 A MONTH?!

>>50125364
They were, but they're not anymore. People pay 20k plus for clean ones. I think EAG partly ruined the market on these by buying all of them up and then selling at ridiculous prices.

>>50129563
Vania, I know you're hangover from vodka but your photo has sanded circuit and ladas with spiked tires, not really proving your point are you

>>50130166

US spec E36s were not real M3s anyway. Opinion on cars discarded unless you own eurospec E36 M3

>>50130402
An edgy teenager, I see. Does your mom let you drive her Sienna?

>>50122558
Do people earning more than €200k/y take public transport in your country?

I paid $20k with no loan for a car and the guy at the dealership was surprised and said it was very rare for anyone to front that amount. What the fuck?

>>50130536
no one earns/need this kind of money besides evil CEOs

Bought a new car with my make it stack in 2020 and paid off 30% of my mortgage. It was the first time I've ever had that much money and I decided I would kill myself if it dropped significantly. I felt retarded, and you all thought I was retarded, but now I feel smart and you all can suck my dick.

>>50130841
So no?

>>50130389
I skidded my open diff rwd shitbox on tires old enough to drink on snow and ice

Anyone on a regular wage financing a car is a big fat retard.

I bought a 2007 Seat Ibiza cash, less than 20k miles off someone local who wanted to sell but serviced it every year still.

>>50122443
0, as I do not have a car
I walk and take public transport
I live in a city, so this is a perfectly viable means of transport

>>50122472
4 cars here 2 free, 2 paid with 1/4 of wagecage salary.
Fucking this.
Buying new cars is a moron think

>>50130931
I'm 2020 they were giving 0%, 6 year loans.

You could have kept your measly cash and still be in the car. Brush up on your critical thinking skills. You will continue to take losses.

>>50122558
Yeah people really have cars lmao

$80/month for insurance

I always forget how poor the average biz poster is until I see threads like these lmao

>>50131025
>I go with full NPCs in a box
NGMI

>>50131078
lots of bums and losers here, remember that next time you consider someones "advice"

>>50126421
>My dad has a 2013 Prius with 300k miles
I have the same car, 150k miles and i'm gonna run it until the wheels come off. Cheap on gas, reliable as fuck and zero car payment.

>>50126206
enjoy the torque steer

>>50131078
>>50131227
My tool collection is worth more than your dilator collection

>>50122524
My insurance is like 20 usd a month. America not even once

>>50122443
$333 a month on a 0.0% 72 month, bought a new F-150 in 2020. Figured I would be stupid to pay cash when they were giving away free money.

>>50125193
You’re all funded by NWO ceos and sheep barrrons so it’s ok i guess

>>50122443
and here's why that's a good thing

>>50131635
I really doubt that Artiom, cheap Stolichnaya is damaging your brain and causing illusions

>>50122443
bought a 10 year old car with 80k on the clock in cash for 2500

>>50122443
$385 and I have ~4 payments left.

ITT: poor retards participating in a data mining thread, trying to one up each other on who makes "better" financial decisions. Fuck this board is dead, wish I never found it

>>50122524
Canada gets fucked when it comes to car insurance. As a first time driver I was quoted 6000$ a year for insurance. On my moms insurance at the time it was 340$ a month. Now I pay 1000$ a year, which is pretty normal for an experienced driver in this country.

>>50123500
Avoid buying a car as long as you can. Cars are the ultimate money sink that never pays you back. With 3k you could only afford a shitter that will shit on you and leave you stranded.

>>50122443
0, 110 for insurance and it breaks down every 2 -4 months costing me 100-400 in repairs.
I'm saving up 10k to spend 5k on a car, sniffing around any for anybody trading their car in to get one cheap.
200 dollars a month in gas.

>>50123500
>>50132119
frfr no cap, when I bought my 2k car it ran me 2-3k more to keep it on the road, it's probably gonna cost me 1.5k a year in repairs as long as it runs and when it breaks proper it will only be worth 500 dollars
Get a bicycle, bonus points if you cat call women from the bike.

>>50122558
i dont know a single person earning more than 30k a year that wouldnt have a car
yeah its a shit financial investment but life is more than just making the best returns.

t. european

>>50132107
>trying to one up each other on who makes "better" financial decisions
Can't remember a time when it wasn't like this. Then again I migrated from /int/ just a few years ago

>>50122443
$338

>>50123137
>even rich europoors have vehicles
My net wealth is about $300k and I don't have a car.

>>50122558
Lol, I really hope you’re serious because that would be very funny.

I have two cars and make $111K a year and I’m not a wagie.

I don’t have a car payment because I’m not a financially illiterate retard

>>50122952
I'll take Sophia varakos

Both cars fully paid off, only about $103/month insurance covers both my car and wife's car. Most companies will give you savings for paying 6 months worth of insurance in bulk and also in some states in US you can take a defensive driver course that will lower your insurance payment for the next 3 years.

>>50130969
>tires older than 15

In America we drive far enough to need to replace our tires every 5 years

>>50132421
I got newer tires from my garage for safety. Don't want to risk a blowout on the highway in a 1980s car

>>50130636
Because most people understand leverage

>>50122950
>Wife’s 2021 Corolla was 21k at carmax, 10k down with 5 year loan comes to 270/mo.
that comes to $26,200 total. 19% interest?

>>50123559
You overpaid.
My mortgage is like 900 a month for a 3+1 with 2 baths.

>>50132581
that's total paid, it would be 3.8% apy on a 5 year loan

>>50122443
$0 now but was about $200. My last job required me to travel and I made around 60 cents per mile in reimbursement. During 2020 when gas was cheap I paid off my loan with the excess reimbursement. Now I work remotely. Pretty based.

>>50132601
ah yes, still looking at it full term that's kinda nuts. and 3.8 is on the low end now huh. I will pay to fix mine up before I get a new one.

We both drive 2017s, both paid off. My wife's VW has depreciated like shit. My Toyota Tacoma has essentially lost 5k$ in value, and has 110k miles

>>50129584
>posted from my Prius with a soi latte in my hand

>>50122443
>paid $2800 for my old but gold chevy s10 pickup back in may, including title and plate
>bought an air compressor for a couple hundred bucks since it needed a new one
>bought some wiper blades last night for $15 that should be here on tuesday
>everything else is perfect as can be
>$476 or some shit like that for 6 months of insurance
I guess I’ll need to get winter tires on come October/November, but otherwise no payments. Only new vehicle that remotely interests me anyways is the Ford Maverick.

Nothing, but I pay so much for excessive consumption and old car repairs that I could probably finance something new and sensible and end up spending about the same each month. Totally worth it though, the noise and handling are something you can't get from anything that costs less than a hundred grand these days, and that honestly makes up for a lot.

>>50124946
I just talked to my auto loan guy and he said the same used car from two years ago is selling for more today, with more miles and more wear and tear on it. He told me about a car that sold for $11k in 2020 just sold for $15k, and that this is not unusual in the current market.

$0.

I have a 94 mazda miata that I love. Paid $4k cash. Also have an 03 ford focus hatch for day to day stuff. Paid $3000 cash. It's pretty easy.

>>50122443
I pay a little under $700 for my Tesla Model 3

>>50132344
You're proving his point anon

I bought my car up front, so the monthly payment is zero.

Since I live in the beautiful state of Connecticut, I owe $400 in annual car taxes. This is up ~15% from last year since they've reappraised my car higher. There's also insurance. I get the absolute minimum mandatory by law, which costs about $200 per 6 month period.

In total I'm paying approximately $65/month for a car that I currently only drive 4-5 times a month.

>>50122558
>>50123131
>No I'm not missing anything!
>He types in his two-bedroom "flat"
>Softly enough to not wake his "flatmate," another 30 year old man
>Before going to a job that's technically white collar but only nets him 30k Eur/yr
>To which he must ride on a used bicycle
>Because the pakis next door stole his nice road bike
>On the way to omwotk he gets accosted by gypos
>"I don't feel like I'm missing anything!" The citycuck tearfully reaffirms

One time payment of 2k USD for a beat up 1999 NB miata. Easy to work on, reliable, cornering like a boss with the drop top.

>>50134053
sounds like you're projecting anon

>>50134094
23-26 mpg. Car payments really are for cucks.

>>50122524
? I have a literal brand new car with full coverage insurance and it's less than 100 a month for insurance

>>50122443
I paid $2000 for a chevy truck and it just works bro

>>50134152
>chevy anything
>works

those words do not below in the same sentence

Auto loans are the best way to stay poor

>>50126147
You have organic matter in your ventilation system

TOTAL AMOUNT FINANCED
$14,148.91
TERM
36 Months
MATURITY DATE
Apr 5, 2018
INTEREST RATE
0.9%
INTEREST PAID YEAR-TO-DATE
$0
INTEREST PAID PRIOR YEAR
$0h

Feels good man

>>50134173
You are the king of retards, my chevy will never die. I will die first.

>>50124687
Lmfao retard

>>50122443
>car payment

About 170 euros to be paid off in full in about a year.

i refinance cars for a living. If your auto loan is anything more than 60 months you're a degenerate consumer who deserves to be poor gay and ugly

>>50122872
>he thinks a car you drive and use is a depreciating asset
>selling the bottom on a car that bluebooks at the same price I bought it for
lemme guess, living with your parents is based too right?

>>50129437
winter tyres, anon. decent ones work well, and you don't need to drive super cautiously
ground clearance can be an issue, but if you're just trying to drive your car along dense snow or some ice, you'll be fine

ITT: poorfags

>>50132597
But what location?

>>50126421
I'm good with this. I'm a big Toyota fag. Only thing that ever got me to sell a Toyota was it being in an accident.
>>50134273
I'll probably be okay. I wfh and now barely even drive anywhere. If the creature from The Thing comes out and assimilates me, that'd be kinda based and bodyhorror monsters don't pay taxes.

>>50122558
Just stop you loser. >>50122558

>>50131703
How often do you haul? Or have passengers?

>>50122443
$0 I paid my car off in 3 months, did the bank really think they could keep raising the rate and I'd just take it kek

0$
bought a reliable used shitbox for 5k cash

0 for the car, 0 for maintenance, 0 for taxes and 0 for fuel. Haven't owned a car in years and I intend to keep it that way.

>>50129437
rwd makes no difference unless you're retarded. most people don't have 4wd. Learn to drive and get proper winter tires. easy

>>50122443
i don't have a car payment.
i do have a 2020 Toyota camry paid for in Cash that is literally worth the same that I paid for it 3 years ago in 2019!

>>50123078
Only if you have another not-rickety car

>>50135777
You're going to get mold in your lungs and won't notice until it's too late

>>50123559
F

>>50122443
I paid $1400 for my 1998 Jeep at peak coof. I can't imagine spending more than $5k on a car, but work is chill so "lol car broke, have to wfh this week" is a perfectly fine excuse while I go buy another clunker.

Have unironically thought about buying an old shitty prius next for more weekend trips. 14mpg is ok for my short commute, but paying $100 in gas to get to the mountains now kinda sucks. Have never even used 4-low in the Jeep anyway.

>>50122443
$0.00

when i had one it was sub $300.00 a month, and paid off in 3 or fewer years.

>>50125413
Age?

>>50122443
I don't own a car lol. I have a bike.

>>50134599
It is.

>>50126147
It's a rarely the case that biz gives you good advice and this is one of those times. I once forgot to change my humidifier filter and got a baddddd cold (it didn't even smell) and when i did change it, the cold disappeared. Dont fuck with mold. Also fuck humidifiers with filters get the evaporative ones, they are way more sanitary (but a bitch to clean(.

>>50122952
>>50122952
>needed a bigger family vehicle
So did we, that's why we get a 2017 caravan gt for $14k.

>>50138508
I got mold all in my basement and I'm sick all the time but I can't leave cause I'm poor I wanna die.

>$0
Still driving a used 2004 Lexus I bought for 5k back in 2015

>>50129340
>bmw
>reliable
lol

>>50138876
>UHHH SORRY BUDDY BUT I HAVE 2 KIDS AND A WIFE
>I NEED A 4 ROW SUV CAPABLE OF SEATING 9 MORBIDLY OBESE ADULTS, MINIMUM

>>50122443
2005 Porsche 911 S
$770 @ 3%

>>50122443
Im twenty five, have owned three cars and one motorcycle and have bought all of them outright cash. couldn't imagine being a financing pleb

>>50129358
No, you're just an idiot.

>put $40k into depreciating liability
or
>put $40k into asset growing at ~10%/yr while having a $40k/note costing ~2%/yr
You're literally throwing away ~8% growth so that you don't feel poor when you're fucking stupid and probably are poor.

>>50122443
>current year + 7
>owning a car

>>50122680
it's a real bank floor they closed and used as a set rowling isn't that based

>>501250955
$5k will get you an absolute shitbox, pretty much nothing running is under that.

>>50122443
$0. Never finance any vehicle as doing so results in you overpaying about 15-20% more than you should. Financing vehicles is a scam. Which is why car dealers think ppl who pay in cash all at once are low lifes. DO it to piss them off is my advice. They lose a certain commission rate if u dont finance either so its less money for the salesman.

t. me and my current favorite vehicle. i ride chrome wraps in GTA online so i figured why not wrap my Jeep. Ended up buying the Jeep for someone but they didn't "work out" so its mine now.

>>50140888
>tripfag
>trips
>tripping his face in a post
man

>>50141070
I have facial reconstructive surgery every 3 years.
Don't worry about me Anon, I'll be fine.

>>50122524
Be over the age of 26 and have a clean driving record and you'll only pay like 800 bucks a year tops.

2013 Honda Fit paid off. I’m too much of a Scrooge to make payments again.

i cycle

>>50140888
isn’t that shit blinding and hot? looks cool tho

1 payment of 9500 for a 2005 4runner which is now worth 15,000

$0, paid off my car ages ago

>>50122443
451 on an alfa romeo giulia

Car loan backed securities are a thing.

Retard here, what car new or used should I buy for my 10 minute highway commute? Gets pretty crazy and icy in the winter though
I make $18.50 an hour

>>50144221
cheap jap shitbox, honda, fit, civic, accord, crv, toyota, camry, corolla, prius, rav4 etc.
if winter is bad enough get a set of beater wheels and winter tires.

>>50125193
Someone has to buy from the dealership for there to be a second hand market

>>50144376
gay japanese cars front wheel drive. Don't need special tires.

>>50142778
how can i trade them?

>>50144221
Fat tire ebike. If its about commuting make the sacrifice. It pays for itself in gas savings in less than a year.

>>50122484
>smth

>>50124078
Based. Same, except, I bought a Honda Jazz, shit's so cash.

>>50122443
What kind of retard makes car payments? No wonder everyone on here is poor.

$380/mo for a 2018 truck. put $15,000 down at purchase.
While tempting, i wont get another vehicle after paying this off. 1, to save money but 2, im predicting that within my lifetime, vehicles will become a service and you will no longer be able to buy them. Lease only. and owning my own shit outright will keep more money in my pocket
>hurr the govt will make your truck illegal then
that would require the court to compel me to buy a product which it legally cannot do.

>>50126536
You fucked up anon. Nissan is for gays and trannies. Aryan men should buy Honda or Toyota.

>>50134094
Based Miata Chad

$0
I plan on buying a used tacoma whenever the used market craters. I imagine that should happen in a year or so

>>50144674
it's a daily, FWD is fine.
in some areas it makes a huge difference.

0 dollaridoos.
Paid 12k upfront in 09 for my Ford Fiesta, still holding pretty well.
Was thinking about changing it soon, took a look at the prices these days, not happening anytime soon.
>Inb4 22k for a Citroen C3, A C3!!!!

>>50126615
A man with fine taste!

>>50123137
>city centre 15min walk
>next grocery stores 10min walk
>job 10min walk or 3min bike

Why do i need a car again? Please tell me oh wise jew.